SAG-AFTRA Influencer Agreement & Union Pension Fee Shift Redline
When working with major ad agencies that are SAG-AFTRA signatories (or using the SAG-AFTRA Influencer Agreement), agencies frequently write the Campaign Fee as "inclusive of all union Pension & Health (P&H) contributions and payroll taxes." That phrasing allows the agency’s third-party paymaster to deduct the Employer’s 19.5%+ P&H contribution and payroll handling fees directly out of your agreed talent fee.
Creator’s $50,000 Brand Deal Check Arrived Short by $9,800 Due to "All-In P&H" Clause
A comedy creator signed a $50,000 commercial digital deal where the fee was described as "inclusive of applicable guild P&H and paymaster charges." When the check arrived from the paymaster 60 days later, $9,800 had been deducted from the creator’s fee to cover the agency’s employer-side SAG-AFTRA P&H contribution.
EndorseIQ™ flags "all-in / inclusive of guild P&H" language and converts compensation to strictly "+P&H and paymaster fees on top."
Check Your Full Contract PDF for Cross-Section Overrides (Free 60s Scan)
Fixing one clause alone often fails when a buried definition, exhibit, or survival clause elsewhere in your Media, Product & E-Commerce GL neutralizes your protection. Drop your PDF or Word (.docx) below for an instant, 100% anonymous cross-section audit.
“The Campaign Fee of $25,000 is net of any employer-side union or guild obligations. If this Campaign is produced under a SAG-AFTRA or other union agreement, Brand/Agency shall pay 100% of all Employer Pension & Health
What to Say to the Commercial GL & Media Liability Carrier
"My $25,000 quote is the talent/production fee to my LLC. If your agency processes this through a union signatory paymaster, all employer-side SAG-AFTRA P&H fringes (+20%) and paymaster fees must be paid "+P&H" on top of the $25,000 fee, not deducted from it."
Why they drafted it this way: Signatory agencies try to hide the ~20% union P&H fringe cost inside the creator’s headline quote so the agency doesn’t have to bill the brand extra.
Mandatory Audit Checklist Points
- Strike "inclusive of all union/P&H fees" from the compensation clause
- Specify that all SAG-AFTRA Pension & Health contributions are paid "+P&H" on top of the Campaign Fee
- Prohibit deductions for third-party paymaster (Extreme Reach / CAPS) processing fees
Paste Your SAG-AFTRA influencer agreement pension health fee deduction redline Section or Upload Your Full Media, Product & E-Commerce GL (.pdf / .docx)
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EndorseIQ™ Policy & Binder Scanner
ACTIVE ENGINE: ENDORSEIQ™ (MULTI-HOP ISO & COVERAGE GRAPH)Frequently Asked Questions
Who is supposed to pay SAG-AFTRA Pension & Health (P&H) on an influencer deal?
Under union rules, Pension & Health contributions (~19.5% to 21%) are an employer obligation paid on top of ("+P&H") the talent’s compensation—unless the contract tricks the creator into agreeing that their headline fee is an "all-in" budget from which P&H is carved out.
How do I redline SAG-AFTRA influencer agreement pension health fee deduction redline traps in my Media, Product & E-Commerce GL anonymously without creating an account?
Upload your Media, Product & E-Commerce GL PDF or Word (.docx) draft to ExclusionRadar.com to run the "SAG-AFTRA Influencer Agreement & Union Pension Fee Shift Redline" defense cartridge 100% anonymously—with zero account registration, zero email login, and stateless in-memory processing. EndorseIQ™ flags SAG-AFTRA influencer agreement pension health fee deduction redline exposure (typically $3,500 – $25,000 in surprise P&H & payroll deductions; documented unredlined loss: $9,800 deducted from creator payout), checks for cross-section overrides, and exports a ready-to-send Microsoft Word (.docx) Track-Changes file.
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